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The important thing is the ampage. If you have your old car charger check the ampage output. A higher amp rating charger will be ok as the p550 will only draw the current it needs. The voltage you listed sounds like a house charger not a portable car charger. cars run at 12v and the output should be something like 5v dc - 1amp (normally anyway).
more than that! keeping it plugged into the car is damaging the SIIRF chip and battery when you start the motor. Also the unit needs to be charged properly before use in an AC charger or vIA USB The DC in the car will not fully charge the unit. In fact it also leaks power back to the battery of the car when you turn ignition off, so dropping the volatage and amps of the battery in the GPS. ALWAYS UNPLUG BEFORE STARTING ENGINE
Always charge/recharge it prior to use in a AC or USB environment
Battery life is average 2 years unless used like you say you have. Then 3-6 months might see it collapse!
Poss that the battery is totally dead, and therfore will not power up even when on ac or 12v charger lead. Often the battery is part of the circuit, and if the battery is dead rather than just weak or discharged, then the circuit is incomplete.
I posted on here how to remove the battery, you can get a replacement quite easily. Also would be an idea to search out a correct output charger, or maybe borrow one just to determine if the problem was with the battery rather than a blown unit.
I had the same problem with mine, the AC adapter fails really quickly. Try to go to Radio Shack and get the 3-12v switch able AC adapter that is 1 amp, and select the 4.5 volt setting. This setting is a whole .5 volts less than the one that comes with GPS, but its the Amps that matters. Make sure you get the correct plug with the adapter, I got the "B" plug and follow the directions that came with the adapter to match the right polarity, or you will fry your GPS. Also, the computer just supplies enough power to run the GPS, but not to charge it as long as you have the USB 2.0 ports.
I found there are select 120v AC adapters that will work on Magellan GPS. When a working 120v or 12v adapter to mini USB adapter is plugged into the unit, the battery bars will be 'scrolling' and therefore charging.
When your adapter, or even USB cable from your computer, is plugged into the GPS unit, and the battery goes to FULL, it is NOT CHARGING. The battery bars must be SCROLLING for the unit to charge. In this case, get a different adapter until it works.
Only use Garmin approved power connector either AC or DC (cigarette lighter adapter), otherwise you risk ruining your unit. The DC power adapter actually step down the voltage from 12vdc to 5vdc. Using anything other than a Garmin approved adapter can fried the unit.
I had the same problem with myRm 700, too. Solution : connect your unit into the AC power pack . Turn it on. Then reinsert an address into the unit while plugged into the 110 volt ac wall outlet power supply. You may need to repeat this operation a few times.
Also, used mine in my 18-wheeler using a ac to dc power inverter. It seemed to work everytime. Note make sure the ac to dc inverter you by has enough dc output to feed your Gps all the juice it needs. That ac to dc inverter can be used to run other ac powererd appliances, too.